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VISA CREDIT CARDS
Whether you are desirous of a Platinum Card, Classic Card or Secured Credit Card - Syracuse FCU will service your request. We have both Variable and Fixed rate cards available, so you can choose a credit card plan that suits your needs.
Credit limits range from $500.00 - $15,000.00.
Best news of all - The rates are highly competative, and lower than most card programs
NO TEASER RATES... just LOW ACTUAL RATES !
Our Variable Annual Percentage Rates (APR's) are Indexed to Prime --
and dependent on your credit rating.
For example - On our cards - If your credit rating is an "A" - YOUR RATE WOULD BE: PRIME @ 5.25% (as of 3/19/2008), plus a margin of 1.9%, or- -
6.90% APR
NOTE: TEASER RATES EVAPORATE - OUR RATES DO NOT!
CHECK YOUR EXISTING CARDS AND COMPARE!
We listen to our members -
"Give us an honest card with an honest rate".
AND...You can apply online, or call, fax or stop into your favorite office. You can also view your daily VISA account information on-line through C.U.E.. If you don't yet have your account set up for C.U.E. on-line account access Contact Us and we'll set you up. See below for additional information on our rates and terms.
| Variable Rate VISA CREDIT TERMS - Classic, Platinum, Secured |
Annual Percentage Rate (APR) for Purchases.
If at the time your application is approved your Exp/Fair Isaac Risk Score 2* is between:
"A" = 680+ - - - - - - - - - - - - - - - - - - -
"B" = 640 - 679 - - - - - - - - - - - - - - - - - - -
"C" = 600 - 639 - - - - - - - - - - - - - - - - - - -
"D" = 550 - 599 - - - - - - - - - - - - - - - - - -
"E" = 0 - 549 - - - - - - - - - - - - - - - - - -
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Annual Percentage Rate (APR) for purchases,
Based on Your Corresponding RISK Score 2 in the left column.
6.90% as of May 1, 2008
8.90% as of May 1, 2008
11.90% as of May 1, 2008
13.90% as of May 1, 2008
14.90% as of May 1, 2008
There is a 5.00% minimum APR.
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| Variable Rate Information: |
Your APR for purchase transactions may vary monthly. Your rate is determined monthly by adding a margin to the Prime Rate as follows;
If at the time your application was approved your Exp/Fair Isaac Risk Score 2 was between:
680 & over, your APR will be determined by adding the margin of 1.9% to the Prime Rate**
640 - 679, your APR will be determined by adding the margin of 3.9% to the Prime Rate**
600 - 639, your APR will be determined by adding the margin of 6.9% to the Prime Rate**
550 - 599, your APR will be determined by adding the margin of 8.9% to the Prime Rate**
0 - 549 , your APR will be determined by adding the margin of 9.9% to the Prime Rate**
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| Other APR's |
Cash Advance APR will be determined the same way as your purchase APR |
| Minimum payment due |
3.0% of balance no less than $20.00 monthly. |
| Grace period for repayment of balances for purchases: |
You have not less than 25 days to repay your balance before a finance charge is imposed.
Cash advances: Accrue interest from day advance is made. |
| Method of computing the balance for purchases: |
Average Daily Balance including new purchases |
| Annual fees: |
None |
| Minimum finance charge: |
$.50 |
Transaction Fee for Cash Advances:
Late payment fee:
Over-the-Credit-Limit Fee:
Balance Transfer Fee:
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None
$25
$25
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*Experian score -You may find out what your Exp/Fair Isaac Risk Score 2 was at the time that your application was approved by contacting us at Syracuse FCU, P.O. Box 6209, Syracuse, NY 13217-6209 or by calling (315) 443-2603 Mon.-Fri. 8:30 am - 4:30 pm.
** The Prime Rate as published in the "Bond, Rates & Yields" subsection in The Wall Street Journal on the first business day of the preceeding month.
Fixed Rate Visa Platinum
Your Annual Percentage Rate for fixed rate Visa accounts will vary based upon creditworthiness.
Please ask a loan officer for details.
| Fixed Annual Percentage Rate |
10.90% - 17.75% |
| Annual Fee |
None |
| Grace Period for repayment of balances for purchases |
You have not less than 25 days to repay your balance before a finance charge is imposed.
Cash advances: Accrue interest from day advance is made. |
| Method of computing the balance for purchases: |
Average Daily Balance excluding new purchases |
| Minimum finance charge: |
None |
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Transaction Fee for Cash Advances:
Late payment fee:
Over-the-Credit-Limit Fee:
Balance Transfer Fee:
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None
$25.00
$25.00
None
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Fixed Rate Visa Classic
Your Annual Percentage Rate for fixed rate Visa accounts will vary based upon creditworthiness.
Please ask a loan officer for details.
| Fixed Annual Percentage Rate |
12.90% - 17.75% |
| Annual Fee |
None |
| Grace Period for repayment of balances for purchases |
You have not less than 25 days to repay your balance before a finance charge is imposed.
Cash advances: Accrue interest from day advance is made. |
| Method of computing the balance for purchases: |
Average Daily Balance excluding new purchases |
| Minimum finance charge: |
None |
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Transaction Fee for Cash Advances:
Late payment fee:
Over-the-Credit-Limit Fee:
Balance Transfer Fee:
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None
$25.00
$25.00
None
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